Short-Term Car Insurance in Vermont

If you're looking for some flexibility, you might be interested in a short-term car insurance policy. But short-term auto insurance is rare for multiple reasons.

For one, major companies don't tend to offer policy terms for periods shorter than six months. Since car insurance coverage is legally required in most places in the US, swapping policies often can be risky. You also risk having lapses in your car insurance record if you swap policies often, which can lead to more expensive rates in the long run.

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Good news: car insurance contracts typically last for just six months. This allows auto insurance companies to “re-rate” — or re-price — your bill based on your current driving history and demographic profile.

The six-month mark also provides the perfect chance for you to reevaluate your situation by exploring the offerings of other insurers. Comparing rates online is painless, and there is no penalty for swapping car insurance companies at the end of your policy — or in the middle of your policy period, assuming you never let your insurance lapse.

The flexible nature of car insurance means it's relatively easy to purchase on short notice. If you're in need of a policy to drive your new car off the lot, looking for coverage for a relatively long-term car rental, or searching for coverage for a vehicle you don't own but regularly drive, consider purchasing a six-month policy and curtailing the agreement as needed.

Short-term auto insurance in Vermont

See below typical car insurance costs in the state of Vermont, organized by popular car insurance companies and major cities. If your costs exceed what you see below, consider making a change.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Vermont State Average — All Companies$514$86
Vermont Mutual$609$101

The most affordable option for single-month auto insurance in Vermont is Nationwide, which can save you $9 monthly, compared to the next-best option, Co-Operative . In Vermont, the average monthly cost of auto insurance is $86, or $514 over a six-month period.

Where you live has just as large an influence on your car insurance rates as as your choice of insurance company. Auto insurance companies take into account the number of local insurance claims when assigning rates by ZIP code. See below insurance rates in the biggest cities in Vermont and compare how much you’re paying.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
South Burlington$480$80
Essex Junction$479$93

If your costs don't match those listed above, take some time to weigh your options. The short-term duration of a car insurance agreement increases the importance of remaining informed and willing to shop.

Learn more about temporary auto insurance or use our search function to compare policies today.

Additional resources

Check out the best auto insurance options for teen drivers.

Get affordable car insurance for new drivers.

Find out more about pleasure use car insurance.

Can you find affordable car insurance with no credit history?

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including